中文：

年利率18%是指借款人向贷款人支付的年度利息率。这意味着，如果您借款了一定的金额，那么您需要按照年利率18%向贷款人支付利息。这个利率是按照年度计算的，也就是说，您需要每年支付一次利息。

年利率18%通常用于高风险、高回报的投资，例如股票、期货等金融市场。这种利率水平反映了市场上的风险和回报情况，如果市场表现良好，那么借款人可能会获得更高的回报，但如果市场表现不佳，那么借款人可能会遭受损失。

对于借款人来说，年利率18%意味着他们需要支付高额的利息费用，这会增加他们的借款成本。因此，借款人在做出决策时需要谨慎考虑，确保他们可以承受这个利率水平并且能够按时还款。

总的来说，年利率18%是一个相对较高的利率水平，通常只适用于高风险、高回报的投资。借款人在做出决策时需要谨慎考虑并评估自己的风险承受能力。

英文：

An annual interest rate of 18% means the borrower needs to pay the lender a certain amount of interest on an annual basis. If you borrow a certain amount, you need to pay the lender interest at the rate of 18% per year. This rate is calculated on an annual basis, which means you need to pay the interest once a year.

An annual interest rate of 18% is usually used for high-risk, high-return investments, such as the stock market, futures market, etc. This interest rate level reflects the risk and return situation in the market. If the market performs well, the borrower may obtain higher returns, but if the market performs poorly, the borrower may suffer losses.

For borrowers, an annual interest rate of 18% means they need to pay high interest expenses, which will increase their borrowing costs. Therefore, borrowers need to carefully consider when making decisions to ensure that they can afford this interest rate level and repay the loan on time.

Overall, an annual interest rate of 18% is a relatively high interest rate level, usually only applicable to high-risk, high-return investments. Borrowers need to carefully consider and evaluate their risk tolerance when making decisions.